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Stabilizing the Individual Health Insurance Market

November 14, 2017 | 01:30 PM
03:00 PM ET

Market Stabilization Webinar

ACA open enrollment began this month amid consumer confusion and concerns about future market stability. The uncertainty around cost-sharing reduction payments, resulting premium increases, and federal cuts to advertising and outreach have intensified concerns that healthier people could drop coverage—an issue that would be exacerbated if the individual mandate were repealed. Less healthy risk pools would lead to higher premiums and fewer choices among plans in future years. Still, much can be done to put the individual market on a sustainable path.

This webinar provided:

  • Analysis of the individual market and potential stabilization strategies, such as dedicated funding for high-cost conditions that would be largely offset by subsidy savings from lower premiums
  • An industry perspective on how to improve affordability and competition in the individual market, including ways to support populations with significant medical needs
  • A state insurance commissioner’s perspective on the federal role in keeping markets healthy and the importance of state-level flexibility
  • A conservative perspective on the broader factors contributing to market crisis and cost growth

Speakers

altman
Jessica Altman
Pennsylvania Insurance Department
haltmeyer
Kris Haltmeyer
Blue Cross Blue Shield Association
roy-web
Avik Roy
Foundation for Research on Equal Opportunity
giesa
Kurt Giesa
Oliver Wyman

Presentation Slides

"Stabilizing the Non-Group Market," Kurt Giesa, Oliver Wyman
"Stabilizing the Individual Market," Kris Haltmeyer, Blue Cross Blue Shield Association
"Stabilizing the Individual Health Insurance Market: The State Perspective," Jessica Altman, Pennsylvania Insurance Department
"Patient-Centered Health Reform: How Patient Choice and Private Competition Can Achieve Universal Coverage - Part 1," Avik Roy, FREOPP
"Patient-Centered Health Reform: How Patient Choice and Private Competition Can Achieve Universal Coverage - Part 2," Avik Roy, FREOPP